Skip to content

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustan Cho Associates
  • About UsExpand
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan LimitsExpand
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner NetworkExpand
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of MortgagesExpand
    • PurchaseExpand
      • Home Purchase Loans
      • Investment Property Loan
    • RefinanceExpand
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home LoansExpand
      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines
      • FHA Loans For Bad Credit
      • FHA Loans For Low Credit Scores
      • FHA Collections
      • FHA Loans Charged Off Accounts
      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • VA Home LoansExpand
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
      • VA Loans For Bad Credit
      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loans with Tax Lien
      • VA Loan with Judgment
    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional LoansExpand
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condotel Financing
    • NON-QM LoansExpand
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • CareersExpand
    • Can Realtors Be MLOs At The Same Time
    • Career OpportunitiesExpand
      • Training a New Mortgage Loan Officer Without Any Experience
      • MLO License School
    • Mortgage Branch Careers
    • Remote Mortgage Loan Officer Career Opportunities
    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
  • Videos
  • BlogsExpand
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer

Call or Text: (800) 900-8569

Email Us: alex@gustancho.com

Gustancho Associates

Videos

Home / Videos - Page 8
How Bankruptcy Affects Mortgage Approval
Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

How Bankruptcy Affects Mortgage Approval

ByGustan Cho Posted onMarch 24, 2024August 14, 2024

This guide covers how bankruptcy affects mortgage approval and the waiting period after discharge date. Bankruptcy is a great tool…

Continue Reading How Bankruptcy Affects Mortgage ApprovalContinue

Saving Money on Mortgage
Clear To Close | Down Payment Assistance | FHA Loans | Qualifying & Getting Pre-approved | Videos

Saving Money on Mortgage Interest and Closing Costs

ByGustan Cho Posted onMarch 24, 2024August 14, 2024

This  guide covers saving money on mortgage on home purchase and refinance loans. A home purchase is a very happy…

Continue Reading Saving Money on Mortgage Interest and Closing CostsContinue

Condominium Questionnaire
Condominium Loans | Condotel and Non-Warrantable Condos | NON-QM Loans | Real Estate Topic | Videos

Condominium Questionnaire For Condo Mortgage Loans

ByAlex Carlucci Posted onMarch 23, 2024March 25, 2024

This guide covers condominium questionnaire on warrantable, non-warrantable, and condo hotel condominium units. Warrantable,  non-Warrantable and condotel financing are a…

Continue Reading Condominium Questionnaire For Condo Mortgage LoansContinue

Non-QM Mortgage Lenders in Connecticut
Bad Credit Mortgages | NON-QM Loans | Videos

Non-QM Mortgage Lenders in Connecticut | Non-QM Loans

ByAlex Carlucci Posted onMarch 21, 2024October 8, 2024

In this blog, we will cover and discuss qualifying with non-QM mortgage lenders in Connecticut for borrowers who cannot qualify…

Continue Reading Non-QM Mortgage Lenders in Connecticut | Non-QM LoansContinue

Using FHA Loans To Purchase Home
FHA Loans | First Time Home Buyers | Videos

Using FHA Loans To Purchase Home With a 3.5% Down Payment

ByGustan Cho Posted onMarch 20, 2024October 8, 2024

In this blog, we will cover and discuss using FHA loans to purchase home and eligibility requirements. Using FHA loans…

Continue Reading Using FHA Loans To Purchase Home With a 3.5% Down PaymentContinue

Mortgage After Foreclosure With No Waiting Period
Mortgage After Bankruptcy and Foreclosure | NON-QM Loans | Videos

Mortgage After Foreclosure With No Waiting Period

ByDale Elenteny Posted onMarch 20, 2024August 13, 2024

In this blog, we will discuss and cover mortgage after foreclosure with no waiting period with non-QM loans. Non-QM loans…

Continue Reading Mortgage After Foreclosure With No Waiting PeriodContinue

Common Credit Score Questions
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Credit Disputes | Credit Scores | Re-Establishing Credit | Videos

Common Credit Score Questions From First-Time Homebuyers

ByMargarett Jurilla Posted onMarch 19, 2024August 13, 2024

This guide covers common credit score questions from first-time homebuyers. What does a “good credit or good FICO” really mean…

Continue Reading Common Credit Score Questions From First-Time HomebuyersContinue

FHA Total Scorecard
Mortgage Processing And Underwriting | Compensating Factors | FHA Loans | Manual Underwriting | Mortgage Lender Overlays | Verification Of Rent | Videos

Revised FHA Total Scorecard Underwriting Guidelines

ByGustan Cho Posted onMarch 19, 2024August 13, 2024

This blog will cover the FHA Total Scorecard and how it works. The United States Department of Housing and Urban…

Continue Reading Revised FHA Total Scorecard Underwriting GuidelinesContinue

Do I Have To Pay Collections For FHA Loan
Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Conventional Loans | FHA Loans | Videos

Do I Have To Pay Collections For FHA Loan Approval

ByGustan Cho Posted onMarch 18, 2024September 23, 2024

This guide covers the frequently asked question do I have to pay collections for FHA loan approval. We will discuss…

Continue Reading Do I Have To Pay Collections For FHA Loan ApprovalContinue

Mortgage After Short Sales in Chicago
Mortgage After Bankruptcy and Foreclosure | FHA Loans | NON-QM Loans | Qualifying & Getting Pre-approved | Videos

Mortgage After Short Sales in Chicago FAQ and Answers

ByAlex Carlucci Posted onMarch 16, 2024August 9, 2024

This guide covers approved mortgage after short sale in Chicago FAQ and answers. Ronda Butts covers getting approved for a…

Continue Reading Mortgage After Short Sales in Chicago FAQ and AnswersContinue

Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Qualifying & Getting Pre-approved | Re-Establishing Credit | Regulations | Videos

Statute of Limitations on Collection Accounts and Bad Credit

ByGustan Cho Posted onMarch 16, 2024August 9, 2024

In this blog, we will cover and discuss the statute of limitations on collection accounts and charge-offs. We will go…

Continue Reading Statute of Limitations on Collection Accounts and Bad CreditContinue

FHA Versus Conforming Loan Limits
Home Mortgages | FHA Loans | Real Estate Topic | Videos

FHA Versus Conforming Loan Limits on Home Purchase

ByGustan Cho Posted onMarch 14, 2024August 9, 2024

This guide covers FHA versus conforming loan limits on home purchase and refinance transactions. FHA versus conforming loan limits on…

Continue Reading FHA Versus Conforming Loan Limits on Home PurchaseContinue

Preparing For Mortgage Process In Illinois
Home Purchase | Mortgage Processing And Underwriting | Property Taxes | Real Estate Topic | Videos

Preparing For Mortgage Process In Illinois

ByGustan Cho Posted onMarch 14, 2024August 9, 2024

This guide covers preparing for mortgage process in Illinois. Preparing For Mortgage Process In Illinois is different than other states….

Continue Reading Preparing For Mortgage Process In IllinoisContinue

How To Shop For A Mortgage In Today's Housing Market
Home Mortgages | Home Purchase | Real Estate Topic | Videos

How To Shop For a Mortgage In Today’s Housing Market

ByJohn Strange Posted onMarch 13, 2024August 9, 2024

In this blog, we will cover and discuss how to shop for a mortgage in today’s housing market. Just over…

Continue Reading How To Shop For a Mortgage In Today’s Housing MarketContinue

Warehouse Line of Credit
Home Mortgages | Mortgage Processing And Underwriting | Videos

Warehouse Line of Credit Used By Mortgage Bankers

ByGustan Cho Posted onMarch 13, 2024August 9, 2024

In this blog, we will discuss and cover the warehouse line of credit used by mortgage bankers and correspondent lenders….

Continue Reading Warehouse Line of Credit Used By Mortgage BankersContinue

Home Mortgage Case Scenarios For Home Buyers
Home Mortgages | First Time Home Buyers | Videos

Home Mortgage Case Scenarios For Homebuyers

ByJohn Strange Posted onMarch 12, 2024March 14, 2024

This guide covers home mortgage case scenarios for homebuyers. Many borrowers have trouble qualifying for conventional and FHA mortgage financing….

Continue Reading Home Mortgage Case Scenarios For HomebuyersContinue

How Do Mortgage Underwriters Qualify Borrowers
Home Mortgages | Automated Underwriting System | Conditional Loan Approval | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How Do Mortgage Underwriters Qualify Borrowers

ByGustan Cho Posted onMarch 11, 2024October 8, 2024

In this blog, we will cover and discuss how do mortgage underwriters qualify borrowers. Credit scores and income is what…

Continue Reading How Do Mortgage Underwriters Qualify BorrowersContinue

FHA Work History Guidelines
Income And Employment | FHA Loans | Gaps In Employment | Videos

FHA Work History Guidelines on Non-Traditional Jobs and Gaps

ByAnngelli Abenes Posted onMarch 8, 2024February 25, 2025

FHA Work History Guidelines: Can You Qualify with Gaps in Employment? If you’ve been dreaming of owning a home but…

Continue Reading FHA Work History Guidelines on Non-Traditional Jobs and GapsContinue

Sell and Buy House at Same Time During Chapter 13 Bankruptcy
FHA Loans | Home Possible | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Selling Your Home | Videos

How to Buy and Sell a House While in Chapter 13 Bankruptcy

ByGustan Cho Posted onMarch 8, 2024August 8, 2024

In this blog, we will cover and discuss how to buy and sella house while in Chapter 13 Bankruptcy. Borrowers…

Continue Reading How to Buy and Sell a House While in Chapter 13 BankruptcyContinue

Benefits of Refinance Mortgage
Mortgage Refinance | Refinancing | Videos

What Are The Benefits of Refinance Mortgage

ByGustan Cho Posted onMarch 8, 2024August 8, 2024

This guide covers the benefits of refinance mortgage loans. There are many benefits of refinance mortgage. Although the Federal Reserve…

Continue Reading What Are The Benefits of Refinance MortgageContinue

Types of Residential Lending
Bad Credit Mortgages | Conventional Loans | FHA Loans | NON-QM Loans | USDA Loans | VA Loans | Videos

The Types of Residential Lending for Borrowers With Bad Credit

ByGustan Cho Posted onMarch 8, 2024August 8, 2024

This guide covers the different types of residential lending for homebuyers with bad credit out in todays marketplace for owner-occupant…

Continue Reading The Types of Residential Lending for Borrowers With Bad CreditContinue

Buying Homes Remodeled Without Permits
Bad Credit Mortgages

What to do When Buying Homes Remodeled Without Permits

ByDale Elenteny Posted onMarch 7, 2024August 8, 2024

Trying to cheat the system and not getting building permits when renovating your home can backfire on you when it comes to selling your home.

Continue Reading What to do When Buying Homes Remodeled Without PermitsContinue

Page navigation

Previous PagePrevious 1 … 6 7 8 9 10 … 14 Next PageNext

About Us

Gustan Cho Associates are Mortgage Advisor licensed in 48 states including Washington DC, Puerto Rico, and the U.S Virgin Islands (Not licensed in NY and MA). The team at Gustan Cho Associates has a national reputation of being able to do mortgage loans other mortgage companies cannot do. Gustan Cho Associates dba of NEXA Mortgage has a lending partnerships with over 190 wholesale mortgage lenders with dozens of no overlay lending partners on government and conventional loans and countless non-QM and alternative lending partners. Over 80% of our clients are borrowers who could not qualify at other mortgage companies either due to a last-minute mortgage loan denial due to lender overlays or because the lender did not have the mortgage loan program suited for the borrower. At Gustan Cho Associates, we only market mortgage loan products that exists and are possible.

Recent Articles

  • Short Sale Versus Foreclosure
    Short Sale Versus Foreclosure Mortgage GuidelinesJuly 3, 2025
  • How to Get the Lowest Mortgage Rates
    How To Get The Lowest Mortgage Rates on Home LoansJuly 2, 2025
  • Foreclosure In Mortgage Qualification
    Foreclosure In Mortgage Qualification Lending GuidelinesJuly 2, 2025
  • How Do I Qualify For A Conventional Loan
    How Do I Qualify For A Conventional LoanJuly 2, 2025

DTI Calculators

  • FHA DTI Calculator
  • VA DTI Calculator
  • Conventional DTI Calculator
  • Jumbo DTI Calculator
  • FHA Loan Limits
  • Conforming Loan Limits

Subsidiary Sites

  • Gustan Cho Associates Mortgage Advisor
  • GCA Mortgage Group
  • GCA Forum

Connect With Us

  • Facebook
  • LinkedIn
  • YouTube
  • Instagram
  • TikTok
  • Tumblr

Resources

  • Get Pre-Approved
  • Get Automated Underwriting System Approval
  • FICO Simulator
  • MLO License School
  • DTI Mortgage Calculator
  • Documents Required For Mortgage Process
  • How To Increase FICO Scores For a Mortgage
  • How To Reach A Human At The Credit Bureaus
  • Remove Credit Disputes
  • Contribute To GCA Mortgage Group
  • GCA Approves When Others Can’t
  • Mortgage Guides and Home Loan Options
  • How To Un-Freeze a Credit File?
Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 5559 S Sossaman Rd | Bldg 1 #101, Mesa, AZ 85212 Company NMLS 1660690, Gustan Cho NMLS #873293 Company State License #: AZMB - 0944059, Branch: 17W662 Butterfield Road Suite 305 Oakbrook Terrace, Illinois 60181 Branch NMLS 2315275 AXEN is a dba of NEXA Mortgage LLC
DISCLAIMER: The author(s) contributing content to this site, accept no liability or responsibility for errors, omissions or changes in market conditions that may impact the readers' conclusions drawn or assumptions related to the content of this site. The copywritten© information contained on this site is provided on an "as is" basis, at the time of publication, without guarantees of timeliness, thoroughness, accuracy, or usefulness to the consumer. The content on this site does not constitute financial or professional advice of any kind, and readers are encouraged to consult their own professional advisors for professional advice.
Disclaimer | Licenses | Copyrights | Privacy  NMLS Consumer Access© 2025 - Gustan Cho Associates. All Rights Reserved.SiteLock
CALL NOW
  • About Us
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan Limits
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner Network
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of Mortgages
    • Purchase
      • Home Purchase Loans
      • Investment Property Loan
    • Refinance
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home Loans
      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines
      • FHA Loans For Bad Credit
      • FHA Loans For Low Credit Scores
      • FHA Collections
      • FHA Loans Charged Off Accounts
      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • VA Home Loans
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
      • VA Loans For Bad Credit
      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loans with Tax Lien
      • VA Loan with Judgment
    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional Loans
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condotel Financing
    • NON-QM Loans
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • Careers
    • Can Realtors Be MLOs At The Same Time
    • Career Opportunities
      • Training a New Mortgage Loan Officer Without Any Experience
      • MLO License School
    • Mortgage Branch Careers
    • Remote Mortgage Loan Officer Career Opportunities
    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
  • Videos
  • Blogs
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer
Search